The lowest mortgage rates in Canada.
Today’s lowest rate in our network is 3.60%. We find the lowest real cost — not just the headline rate — by shopping broker-channel pricing across 100+ lenders on one application. No bureau pull to start.
Lowest illustrative rates; your file (credit, income, LTV) sets your personalized rate. See the full live board →
What actually gets you the lowest rate
Counter-intuitively, an insured high-ratio mortgage usually gets the lowest rate — the insurance removes the lender's risk, so they price it sharpest.
The wholesale rate brokers access is typically 15-30 bps below a bank's posted rate. You can't get it walking into a branch.
A 680+ score, provable income and a standard property unlock the best tier. Bruised files still have options — just at a different tier.
Lowest rate vs. lowest cost
The lowest advertised mortgage rate and the cheapest mortgage aren’t always the same thing. Some rock-bottom “no-frills” products restrict your prepayments, only let you break the mortgage on a bona-fide sale, or carry a brutal Interest Rate Differential (IRD) penalty. Since most Canadians break or refinance before their 5-year term is up, a rate that’s a few bps higher but flexible frequently costs less over the life of the mortgage. We optimize for your lowest real cost — rate plus penalty risk plus features — not just the headline number on a comparison site.
That said, the lowest rate still comes from the same three levers: an insured or insurable file (under-20%-down insured mortgages are usually priced sharpest because the lender’s risk is covered), broker-channel pricing that’s typically 15-30 bps below a bank’s posted rate, and a clean file — strong credit, provable income, standard property. Line all three up and the lowest lender wins your business.
We shop those levers across 100+ lenders on a single application, then hold your best rate for 90-120 days with a pre-approval. Compare the lowest by term, by lender, or by province, and run your numbers on the payment calculator.
Find your lowest, every way
By term, lender, or province — plus the tools to check the lowest rate is also the lowest cost.
Lowest by term
The lowest network rate for every term, fixed and variable.
Lowest by lender
Each lender's broker-channel best, side by side.
Lowest by province
Province-specific lowest pricing and lender mix.
First-time buyer
Insured 5%-down pricing — often the lowest on the board.
Check the penalty
A low rate with a punishing IRD can cost more — check before you switch.
Payment calculator
Turn the lowest rate into a real monthly number.
6 things to know about the lowest mortgage rates
How to land the lowest real cost — not just the lowest headline number.
Lowest rate ≠ lowest cost
A rock-bottom 'no-frills' rate can carry restricted prepayments or a brutal IRD penalty. Since most people break or refinance before maturity, a slightly higher but flexible rate often costs less.
Insured files price sharpest
Counter-intuitively, an under-20%-down insured mortgage usually gets the lowest rate — the insurance removes the lender's risk, so they price it lowest.
Broker-channel pricing
The wholesale rate we access is typically 15-30 bps below a bank's posted rate — only a brokerage can reach it.
A clean file unlocks the best tier
Strong credit, provable income, and a standard property unlock the lowest pricing; bruised files still have options, just at a different tier.
We flag the fine print
We don't just chase the headline — we surface prepayment restrictions and penalty risk so the lowest number is also the lowest real cost.
Best-rate guarantee
We'll beat any comparable Big-6 offer or pay you $500 — and the comparison is free to you on standard residential deals.
Why find your lowest with us
- 100+ lenders shopped for your lowest real cost, not just the headline rate.
- Fine print flagged — prepayment limits and IRD penalty risk surfaced up front.
- Broker-channel rates 15-30 bps below posted.
- FSRA #13737 · best-rate guarantee or $500 · no bureau pull to start.